Are rural cadre households more likely to obtain formal credit?
Are rural cadre households more likely to obtain formal credit?
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DOI：
10.1080/13504851.2023.2203443
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发表时间：
2023-04
影响因子：
1.6
通讯作者：
Zhenqi Fu;Yunqing Tao
中科院分区：
文献类型：
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作者：
Zhenqi Fu;Yunqing Tao
本文利用中国土地经济调查（克莱斯）的数据，考察了江苏省农村干部家庭对正规信贷的影响。研究结果表明，农村干部家庭比非干部家庭更容易获得正规信贷。这一结果是强有力的，并得到了各种机制的支持，包括农村干部家庭的上级金融知识，家庭资产和社会资本。这项研究强调了政治地位作为影响家庭获得信贷的一个关键因素的重要性，从而丰富了关于家庭融资的现有文献。
This paper utilizes data from the China Land Economic Survey (CLES) to investigate the impact of rural cadre households on formal credit in Jiangsu Province, China. The findings demonstrate that rural cadre households are more likely to obtain formal credit compared to non-cadre households. This result is robust and supported by various mechanisms, including rural cadre households’ superior financial knowledge, family assets, and social capital. The study highlights the significance of political status as a crucial factor influencing households’ access to credit, thereby adding to the existing literature on household finance.